Louisiana auto insurers can no longer raise rates simply because drivers turn 65.
That’s the upshot of House Bill 258, which the governor signed into law. The measure - now Act No. 168 of the 2025 Regular Session - amends R.S. 22:1286 to block premium increases that hinge solely on a policyholder’s age once they reach 65.
The law, now in effect, sends a clear message to the insurance sector: age alone can’t drive auto liability rate hikes.
The statute doesn’t prevent insurers from adjusting premiums based on factors like driving history or claims behavior. But it explicitly targets what legislators defined as age discrimination in rating decisions.
"No insurer shall increase the premium charged for an automobile liability insurance policy for any insured solely on the grounds that the insured has attained the age of 65 or older," the revised law states.
Insurers found in violation can face penalties or regulatory actions from the commissioner of insurance, as authorized under Louisiana Title 22.
For insurers operating in Louisiana, the law demands a fresh review of rating models and underwriting criteria. Compliance and actuarial teams must ensure that premium-setting practices don’t run afoul of the new restrictions. All documentation supporting pricing strategies should be audit-ready.
While the measure protects senior drivers, it’s a firm directive aimed at insurer practices - and one that may hint at similar regulatory shifts in other jurisdictions.
